risk/reward play that some investors seem to think. but look at all those all-time highs including walmart. sue, have a great weekend. i'm going to my high school reunion. you guess the number. >> it's your tenth. street signs begins right now. welcome to street signs where women rule! a new study shows that women owning men in one key financial category. and on this jobs today, ten reasons why you should stay in your job for at least ten years. priming the pump. boone pickens is here with why gas is on the rise and if he sees real energy change coming. and tuition just too damn high. the real reason college costs are out of control. >> they really are. let's get right to it, brian. as he said, not me -- women

rule, that at least according to a new fidelity investment survey that shows women financial advisors have more assets under management than their male counterparts. women manage an average of $58 million, compared to $55 million for men. let's bring in two women powerhouses. we have chris olson, managing director at ubs financial who, by the way, has been recognized in "barron's" top 100 women financial advisors list for the past three years. susan kaplan, president of kaplan financial services, also ranked 74 on "barron's" 2012 list of its top 100 financial advisors in the united states. ladies, thank you very much for joining us today. chris, let me ask you first of all. what do you think it is that women financial advisors have done to get to this situation? >> i think it is a combination that we are staying in the industry longer and longer. i think women are training themselves to take all clients' assets and to listen, to take

advantage of getting to know the entire families an making people feel secure in understanding what their goals are, their needs are, and fulfilling those goals an needs. >> chris, are you saying basically women take a more holistic approach whereas a man might look at numbers, dollars and cents, and look at it as an investment. maybe a woman looks at things in terms of health care, family planning, estate planning -- >> be sure not to generalize, mandy. >> no, i'm not generalizing. i'm asking chris is that a possibility? are women mother holistic when it comes to financial advice? >> i do. i also think we are very good listeners, taking into account the entire family's needs and goals, and i think that we are not being so specific that we are only looking just a stocks and bonds. >> sorry, i wasn't listening to what -- no, that was a joke! that was a joke! listen, i'm outnumbered on set. >> you were browsing a site with hot vintage cars. >> susan, is this proof that women are smarter than men?

>> no. what it is -- >> thank you. >> -- as was said before, financial planning is the answer. all the clients come in to the process because they truly want financial planning. usually the words are used, lip service is paid, but the investment management is the only thing they receive. women tend to be much more tilted towards doing the comprehensive financial planning. that's a lot of detail, not just lip service, in terms of retirement planning, estate planning, taxes, children, education, all of it. i think that's the reason. >> make men aren't dumber. i think they might be though. i'm not just saying that. are men more risky? are they more prone to take supd gambles? >> they tend to make decisions more impulsively. women tend to study the issues and the investments for a longer period of time and tend to make

more considered decisions. >> obviously we have a big woman love-a-thon going on here. to level it out and be fair, i want to highlight a point made in the fidelity survey. it says despite managing more money on average, women nonetheless are still taking home less of it than their older male advisors. why do you think that is and what do they need to do to level that playing field? >> i don't know. i was actually surprised by that statistic also. possibly because they suggested that women are willing to cut their fees and such. but i don't believe that to be the case so i'm not exactly sure. possibly because of the asset allocation. but on the whole, i was surprised by that also. >> susan, can't let you go without getting -- you're expensive an we've got you on the air for free. give us some of your best advice right now, just between you, me, mandy chris and a couple million, maybe billion people. >> basically the actual

compensation may be less because, for instance, in my practice, although the way i'm compensated is by managing a portfolio of assets for my clients for the advisory fee, that fee covers all the hours we spend doing everything else as well -- but, if you just manage investments, you will get a growth portfolio, a bond portfolio. if you do comprehensive financial planning, you tend to get all of the assets of the family completely because they want you to be looking at all of them at once. >> interestingly, one of the reasons given here, why women perhaps are taking home less than their male counterparts, is because women just need to get better, more aggressive with negotiating their fees and their pay structures which i think is something that happens in a lot of sectors. women aren't aggressive in terms of negotiating. so bottom line, chris, moving forward, do you think that the trend is going to stay, that we're going to increasingly see more women fund managers with

greater assets under management? >> yes, i do. i think that clients have said to me over the years that sometimes they actually prefer to deal with a woman. i've had people actually say to me they don't feel pressured the same way. i also think that they like the idea that we include the entire family. we want to know the next generation. that there's a comfort level in transferring the assets and i think families are looking for that kind of guidance. >> chris and susan, thank you both very much. it was a pleasure to have you on. >> thank you. >> thank you so much. >> all right. let's get a little testosterone kicked into this program now. dow hitting the nearly five-year high following that jobs report. big bump. rick "tough guy" santelli in chicago. bob pisani, why isn't the market up 500 points given this fantastic job number? >> i think the numbers are fairly modest on the job increases which is what i'm interested in, how many new jobs are there out there.

so i'm not terribly surprised. but with that said, we've had a pretty good weekover all. other headline news, ism, ism services, auto numbers and even retail sales were not bad overall. look at the numbers. my point is we've had a broad advance in the stock market. when you see financials going up with health care, consumer discretionary and consumer staples going up as much as consumer discretionary, both up 1.9%, industrials, here's the laggard -- tech because of the terrible hewlett-packard guidance we got. everything else has pretty much had an excellent week overall. for the groelobal economy, numb weren't that bad either. next week a number of things will be happening in europe but the s&p, germany was up not far from the new high. spain was up. brazil a bit of an outlier. overall, a fairly good week for the stock market. >> rick, what say you? why are see seeing the bigger

rally on the jobs number? >> well, i think the market in this instance is right. bob nailed it. the amount of jobs we had isn't a lot of jobs and the drop in the unemployment rate from the household survey -- it is a survey and it is going to ebb and flow. i think that if i was going to point to a bright spot on jobs i would look to our neighbors in the north. they created about half the jobs we did for the month of september and they have one-tenth the size population. so why is that optimistic? well, because i think a lot of of the dynamics of their economy aren't so dissimilar to ours. we have a dodd-frank and issues, our energy policy, are keeping us running the race at full speed but i think those things are much easier to fix than people in europe, for example, contrasting with their problem. so i do see a bright spot. i think the market is exactly accurate to point to job creation on the establishment,

the hard data side than it is necessarily the softer side. >> as always, you always bring out the bright spots where we need to find them and put everything in perspective. and also we know that both of you are big, tough guys but you've got very soft hearts, by the way. that's the key to being a good man. not just tough guys! >> what's a heart? yesterday at this time during our report on a nationwide law enforcement operation targeting medicare fraud, we included aerial video that showed the offices of always home care in miami. now that business was not implicated in any way in yesterday's operation and we do regret the error. just thought we'd mention that as well. let's get to a market flash. >> good afternoon, guys. happy friday. just want to point out, first solar is down 11%. this had a big run-up since july. deutsche bank now saying the setup is not that atatractive

going into earnings season. worried about a modular junction box. some of the issues in the marketplace with the stock down 11% today. the average worker stays in each job 4.6 years. but we have ten good reasons why you should stay in your job for ten years. and, how to time the gas market. we're going to show you how to ease the pain of those high prices at the pump. l night-vision goggles, like in a special ops mission? you'd spot movement, gather intelligence with minimal collateral damage. but rather than neutralizing enemies in their sleep, you'd be targeting stocks to trade. well, that's what trade architect's heat maps do. they make you a trading assassin. trade architect. td ameritrade's empowering web-based trading platform. trade commission-free for 60 days, and we'll throw in up to $600 when you open an account.

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this, guys, is the story of the day. perhaps even the stat of the day. the number of the day. yes, it is the nation's unemployment rate. tumbling to a new four-year low, 7.8%. labor department says the u.s. economy added 114,000 jobs last month hoping to push the nation's jobless rate to said 7.8%. now at the lowest level since january 2009. with all this news comes as a big boost to president obama with just 33 days left until the election. brian? mandy, thank you very much. well, if you are lucky enough to have a job, our next guest says -- stay in that job for at least a decade. joining us, david williams, ceo of fish bowl. he recently wrote about this for "forbes." david, i thought we were a nation of job hoppers. >> well, i think that's correct in some people's minds. >> that's a bad thing?

why? >> it is a bad thing because you miss out on a lot of the long-term benefits that come from being loyal and committed and staying with a group of people for a period of time so that you can start to reap rewards of tenure and loyalty. >> but is loyalty that prized anymore? i mean i know so many people who are saying that the only way to quickly move up the ladder essentially is to hop from company to company. i mean loyalty, does that really reap reward over a long period of time, david? >> well, when i see somebody that's hopped from company to company, it tells me they're just looking for the next best gig and that they're not looking to contribute back to the holding environment that they're moving into. so to me, it shows a character flaw. it shows to me that they're short-term minded rather than long-term in perspective. >> we're looking, ten reasons here -- seniority, leadership, stability, home equity and

retirement funds. number four, home equity, is that just more of a geographical argument than a job argument, david? >> i think it is a job argument now, particularly in the economy that we're in with banks. they're looking for people that have stability to give mortgages to. perhaps a few years ago that was not the case but it certainly is the case now. >> okay, david. thank you very much for joining us today. interesting. >> thank you very much. well, do you have any idea, america, what a health care exchange is? me neither. but they're a huge part of the president's health care law and we're going to show you after the break how they work. then later on, the tuition is just too damn high, america. why does it keep going up, and up, and up? answers in the next half-hour. want to try to crack it? yeah, that's the way to do it!

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surge is being fueled by pharma and lab stocks. if you own those, nice little stat to know. if you're like me, you know that health care exchanges are going to be set up all over america as part of the president's health care law. but if you're also like me, you have no idea what that means or how they will work. so let us fix that right now. joining us, ken spurling, national health exchange strategy leader at ai hue weewl. in plain non-wonky english, what are health care exchanges, how do they work, and why do we care? >> it is just a competitive marketplace wherebiers and sellers come together. we all know what an exchange is. we use them every day. itunes, amazon, zap ppos.

>> does that mean we're going to get the best price out of this? >> in exchange you'll see competition between health insurance companies like you've never seen it before because these are designed to operate on a retail level. whenever we have competition on a retail level, prices go down. >> okay. we're looking at it a bit leer. you probably can't see it. there is their it is, ken, sort of how it works in practice. some people are worried that this will steal or remove or take their current benefits which they might enjoy. are they wrong? >> in the private sector exchanges, yes. because unlike the state exchanges who operate in the individual marketplace where you still have pre-existing conditions and medical underwriting, in the private exchanges these are group contracts. they're employer contracts. there's no pre-existing conditions. there's no medical underwriting. everybody is guaranteed to get coverage. >> if i'm sully corp., a 50-employee company. maybe i use aetna -- just using a name.

i try to negotiate with them and sort of go back and forth, whatever. now i would go to your exchange -- >> that's right. >> basically put in what i'm looking to get, how much coverage for my employees, and there would be competition? >> you would come in to the exchange, your employees would see five standardized plan designs. ranging from bronze to platinum. there's a range of plans that would meet any of your employees' needs. then you have aetna, cigna, united, blue cross and kaiser, all of those plans competing for your business as a consumer. >> one of the things that's been out there about using these exchanges, whether it is either a state exchange or private exchange like yours, it might be one way of the employers pushing the costs on to the employees. is that a myth? >> i think it is a myth, because employers have had to share costs with employees for ten years. they don't need an exchange to do that. what we're trying to do is reverse that trend through competition and driving efficiency in the marketplace. >> okay. so again, i'm not trying to -- i'm just kind of like the boring

guy lookingality the details. so sully corp.'s workers, say i give them a subsidy of $300 a month. right? to help them mitigate the cost. they go to your exchange and they pick their own plan. >> that's right. >> they would see silver, that's perfect for me. it is $400 a month, but sully corp. pays $300. so that's how it is going to work. right? >> in addition to that, they'll take their $300, they'll come into the exchange, they'll say the silver plan is what i want? let's see what insurance companies are going to offer me that silver plan and at what price. united health care might be $325 and aetna might be $350. blue cross might be $375. now i say which networks do my doctors belong to and what drugs are covered under their formularies. so let me trade off the networks and the price and make the best decision for me. >> bottom line though, do you think that us, as the employee, is going to be paying more for health care benefits under an exchange system than we do, for example, now without it? >> no, i don't.

because the employers are largely providing the same or even greater subsidies tomorrow than they're providing today. and no employer is going to move to the exchange if continue creases their cost. so the employers are coming in to this exchange because it's equal or saving them money. the subsidies that they're providing to employees are equal or greater than they are today and employees are going to see a greater range of coverage and more competition. >> are there going to be a lot of these private exchanges like yours? >> you'll see them popping up as the affordable care act comes more into play. we are the first company to launch a private exchange for large companies with multiple insurance companies and multiple employers. >> it is interesting. do you think -- i mean this with all due respect to all of our audience here because we know that study after study, people get confused and nervous picking a 401(k) plan. how do we educate people to help them make the right decision on these exchanges? >> well, first, we're looking at -- >> you know what i'm saying. >> absolutely. what we've done is standardize the insurance products across

200 different plan design provisions, because it is very easy to get overlmd. so you shouldn't have to have to search around to find that this plan covers physical therapy for 40 visits, this one covers physical therapy for 30 visits. we've standardized everything except for four levers -- deductibles and maximums, so that you have very little choice and confusion in that. we've also taken a concept from every successful exchange which is giving you the ability to sort and filter and we're looking at this through the consumer lens. >> okay. >> ken, interesting. think you put it into effect. >> thank you. simplification is key. >> especially with dumb men. >> you're not so dumb. let's not make any generalizations here on this show. let's get a market flash now. >> hey, mandy. trying to contain my laughter here. gamestop is definitely a stock to watch today, seeing 3.7% pop on the day, extending yesterday's rally and it's reversing that late september sell-off that we saw on worries about potential longer term

online gaming impacts. but take a look at this stock on a two-month basis, up 46% practically for this name. for some of the analysts are saying that's a big run there so might be time to take some profit. >> thank you, jackie. now if you thought your gas prices were high, check this out. prices are heading towards $6 a gallon in california. we're going to show you how to time the gas market so you can fill up before you see prices like this. and our friend boone pickens is back. we're talking gas, oil, nat gas, the election with boone. it is kind of whatever he wants to talk about anyway. he's coming up. a crash management system and the world's only tridion safety cell which can withstand over three and a half tons. small in size. big on safety.

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breaking news on some big numbers. just getting word that the deficit came in for last fiscal year for the federal government still above $1 trillion. in fact, it came in at $1.1 trillion. there was some hope that maybe we could inch that under a trillion. really just make the financial picture of america pristine. with just $999 billion. that didn't happen. we're still over $1 trillion. i think that's 12 zeros. >> it was $1.3 trillion for the 2011 fiscal year.

the stock is now down year to date down about 23% over the last six months. dramatically underperform being the nasdaq. >> it has to be frustrating for the company and investors because so many tech names have done well. f5 down 3.75% today. barclays cutting the price target. ubs removed the company from its alpha preferences list yesterday. if you're an investor in f5, they're holding an analyst meeting next thursday. pay attention to that. beer stocks have been hot apparently. are the companies that make the big bottles, for example, owens, illinois. >> it is one of those companies, it is all google and apple and facebook and zynga. this is one of those companies that makes glass bottles. >> stock's up 17% in a month!

up 4.5% today. goldman sachs upgrading from buy to neutral. saying they're reducing debt, working on free cash flow generation. glass bottles 1, network equipment gearmakers 0. sony's stock is up today despite some egg on the face again for sony. some tablets leaking. >> the stock's up. i'm not trying to pick on sony because i know you lived in japan for 17 or 18 years. but this is an embarrassing manufacture for sony. they have a tablet, called the ex experia. supposed to be waterproof. sit in the tub, somebody's scrubbing your back with a loofah and you're searching the web. apparently water goes into the tablet rebderring sa inrin inri tab plet not good anymore. >> the tablet was only launched

last month as well. ouch. let's look at technology companies we talk about a moment ago. zynga sitting right now as an all-time low, down about 75% year to date. >> we've got julia boorstin still here. she actually walked from l.a. this morning just to talk to us about this story. the stock's down 16%. cut their guidance last night, said they were going to cut expenses. you've spoken with mark pinkus, you've spoken with mark zuckerberg. facebook also took a hit after the zynga warning because they get so much revenue from zynga. what's going on here? >> social gaming is not what it was cracked up to be. the problem is people used to spend a lot of time on their desk tops playing farmville. now people are spending more time on their smartphones so they're not playing these social games as much. people are shifting that time they used to waste playing social games playing mobile apps. zynga interused more of these games. they're the same model as

farmville, they just haven't taken off. if you look at numbers, fewer than 5 million people have been playing them on a daily basis. that's compared to at one point farmville was getting 80 million people. >> when you say they weren't -- they're not all they were cracked up to be, we're only talking about last year's project -- not like 20 years ago, plastics, my son! this is one year ago. >> zynga was excited they had all these people playing games. they thought they'd get a larger percentage of people who were playing to pay. they had maybe 2% or 3% of people paying to play. but they just didn't grow that percentage because people have so many alternatives to gaming. >> facebook is down in sympathy here. zynga contributes 10% to facebook -- it was 12% in s1. >> 9% of facebook's payments revenue comes from zynga. but remember there is a lot of time people spend on facebook playing zynga games so there's also a lot of advertising

revenue in there. according to an analyst from jpmorgan, it was 14% from facebook's total revenue in the first half of the year came from zynga. three analysts today lowered their payments estimates for facebook's business. we'll see how it all shakes out. >> you may want to avoid this. how do they fix it? >> how does zynga fix it? they're trying to focus more on mobile games. >> do you just buy the app? >> you charge 99 cents an app. >> don't worry about ads. >> the problem with the mobile games business, it is a lot more competitive. you have big players like electronic arts getting into this business, too. ea is a gamemaker who makes $60 regular software games. they're trying to compete there, too. they have a lot of scale, a lot of advantages. it is just changing the whole dynamic. >> as you alluded to, they need another new big hit. farmville, words with friends. they need another massive hit. >> you know i can't spell because i'm a man.

>> i don't want to get involved in that whole debate. >> did you see the top of the show? >> i did. >> do you think that women are smarter than men? >> i don't think women are smarter. i think they have different advantages, different skills. >> very skill set. very diplomatic! >> girls want guys to have skills, nunchaku skills. what skills do women have that men don't have? >> we haare both the mothers of boys. >> i think women sort of evaluate all different angles and men are more likely to pick one point of view and go with it. >> by the way, you completely missed the point of our first segment. not are women smarter, why are women managing more money than men? >> i know! i'm just trying to get people enthued about the program. >> as a result of that segment, i've gotten quite a lot of hate mail on twitter. go back to australia, woman.

sharon epperson, genius that she is, got final trades at the my next. save me, sharon. >> we are looking at oil prices here closing below $90 a barrel. traders on the floor have a lot to grapple with. they're looking at the geopolitical situation, tensions between syria and turkey and also keeping their eye on iran and trying to figure out what regime change possibly could mean there for oil prices. and then they're looking her at u.s. demand and demand weakening and all these refinery outages meaning that they're not using a lot of the crude oil. that's pressuring prices. we are looking at the third week in a row that crude oil prices have slid. meanwhile, it is a far different story for natural gas. natural gas prices soar about 20% last month. up again this month. so far this week. and we are looking at prices that hit $3.50 a little bit earlier. gas and energy a hot topic

in the presidential race and the debate the other night. boone pickens firmly believes that mitt romney is the man with the right energy plan. let's chat with boone. boone pickens, founder of bp capital among many other things that he's done. i want to push back on you a bit here, boone. mitt romney saying i'm going to do this, open up more lands. yet when i read reports from companies that drill for gas they can't get the equipment to the people there. anyway, do we have as a nation the infrastructure to actually go after more of our own resources? >> we do have. but i think that the industry's kind of solared up here in the last two, three months. we've got plenty of resources. infrastructure in the northeast especially in the marcellus needs to advance a little bit. all that will happen. and now you still have very cheap natural gas prices. it is about 30% of what it is around the world. so very cheap. we have the cheapest energy in

america. oil today is $90 a barrel. brent north sea the global price is normal in this country. i know you have the california problem on the gasoline. if i could just comment on that. that's pipelines, refineries and california has a unique problem, which is they have a blend for gasoline that's different than the rest of the united states. so it's not a case you can hurry, ship them some texas gasoline. it will not qualify in california. >> so if you're a californians, then you are mad at some of these regulations and environmental restrictions which force them to have their own special blend. correct? >> that's correct. they did it to themselves out there. and so, you know, anyway, they've got to solve their problem but the market is solving the problem. where they tried to put a cap on

the gasoline, it caused huge gasoline lines, if you remember back '78, '79. >> my dad owned a mobile station in l.a. at the time. i remember it well. they had fist fights, boone. >> sure. well here, if they'll just keep putting the gasoline out there, it's going to go up to $5, is what's going to happen. so price will kill demand. that's the way the market should work. it will all -- the market will straighten it out in california here. may take a month or two. i don't know. but they're on the right track as to getting it fixed. >> boone, back in april of this year you said that $140 crude could be possible during the summer months due to various things such as supply constraints such as problems in iran such as sanctions. obviously $148 has not happened, summer has passed, but things are heating up, nonetheless, in the middle east and in iran in particular. do you think $148, back to the old highs, is still possible say in the next 12 months? >> i'm not going to make that

mistake twice. i said that we'd see $115 before the first of the year. that was my latest prediction. that did happen. we went above $150. so it's -- you know, of course, $148 could happen under certain circumstances. you get a war going in the mideast, and you'll be well above $148. but i think it is going to db something like that is going to have to happen to get to that level. >> i want to end with this, boone. i know you were just on maria. but one of the things that immediate us attracted to you today -- you put out a tweet regarding oil companies and tax breaks. basically during the debate you were not buying $49 billion in tax cuts claimed by the industry by president obama. it's been a theme on the left, that oil companies basically pay nothing in taxes. >> i don't know what the $4 billion is that tax subsidies

for oil companies, because oil companies has the same tax structure as a manufacturing company in the united states. that's it. and i don't quite understand. we talk about oil companies making too much money. obama does. he consistently talks about that. he never mentions that apple is the largest company in the united states, larger than exxon. and i don't think there's anything wrong with apple either. i don't think there's anything wrong with any of the manufacturing or the oil and gas industry in the united states. i think they're trying to do the best job they can and doing a pretty damn good job. but i'm not one that believes they should be taxed more. >> boone, thank you. i know your cowboys and my hokies are both having rather disappointing seasons so we'll just leave it at that so have a great weekend. >> well wait a minute! we got a bad call. >> bad call! you have no replacement refs in college, boone. >> did you see what happened to us on the last -- >> i'm just saying you're not

undefeated and the hokies stink. >> but you hate to have a bad call at home. >> especially at boone pickens field which i have still yet to be invited to, by the way. >> i feel a little bit responsible for that because i should have gone down there at my field and said, wait, just a second, let's look at that again. okay? >> boone, have a great weekend. thank you very much. tell your buddy jay rosser to get to work. we'll look at the one thing that could finally stop the spiraling costs of college tuition. we call it a big reveal. it is next. they have teachers... ...with a deeper knowledge of their subjects. as a result, their students achieve at a higher level. let's develop more stars in education. let's invest in our teachers... ...so they can inspire our students. let's solve this.

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welcome back. nearly 60% of executives plan to hire more workers in the next year but there is a big catch. ceo of the world's largest executive search firm explains. plus, why somebody here says reports of the death of buy and hold investing are greatly exaggerated. and did the white house manipulate the latest jobs data? president george w. bush's labor secretary elaine chao is here. he may be surprised by her answer. but first, more street signs with mandy. >> bob, thank you very much. i'll take over from here. speaking of disaster, college costs might be the next big fiscal cliff on the rohoriz.

the price of education continues. to soar. many private universities cost upwards of $60,000 a year. that, my friends, is for an undergraduate degree. when will this end? is it even worth it anymore? let us ask derek thompson, senior editor at "the atlantic." derek, first question. why is college so doggone expensive? >> there are two reasons i think why college is so expensive. the first is people and the second is government. >> you're right. if robots taught classes, it would be cheaper. >> exactly. the student/teacher radio in 1980 was 16-1. the student to teacher ratio in 2011 was 16-1. the student-teacher ratio in ancient greece was probably 16-1. to replace people with technology, costs tend to up go and up. the second more recent development is that a state budgets have cut their support for tuition. we've seen that they can cut the

support for college. we've seen colleges have had to increase tuition in order to make up that money. you have people on the one hand and their ability to be replaced, then you have dpoft on the other hand. >> i'm wondering -- one of the reasons here is more demand. these days, everybody feels like they need to go to college. right? so obviously demand is fueling this as well but i'm just wondering at what stage will there be a self-correcting cycle? in other words, demand will drop because costs are just getting to high? >> right. the fact is that the price of college is rising and rising and it is getting a little bit gratuitous. but at the same time, the cost of not going to college is actually rising even faster. we've seen over the last 20 years that the average cost of college has increased by 50%. five-zero. but we've also seen that the difference in wages, the so-called college premium that you get when you go to college over someone who only gets a high school degree has increased by 75%. >> but what about all those people that graduate and have all these loans they still have to pay back and they still don't

get a job? >> i think it is important to think of college not as a guarantee but as an investment. there is no such thing as any investment that pays off for 100% of people 100% of the time. when you look at aggregate data, college compared to other investments actually has a higher internal rate of return. there was a report just today by the hamilton project that showed just this fact, when you compare getting an associate degree or bachelor degree the expected internal rate of return is actually higher than any other asset. >> unemployment rate with those with a four-year degree that are above 25 years old is just 4.1%. your point is well-taken. i want to end it with this. are the -- don't want to call it free. are the easy availability of government loans for college responsible, in part, or in large part, for driving up cost of universities? because everybody can just borrow the money that they need. >> two things on this. on one hand you could definitely

say that when you subsidize something you tend to get more of it and it did he understand to get more expensive. that seems to be an intuitive argument, that subsidizing college should make it more expensive. on the other hand, there are simply so many economic reasons why the costs of college is increasing and reasons whose effect is so much greater than the availability of student loans. i think that even if student loans are an issue, they're not the first, second or even third issue. >> it's fascinating. we have to unfortunately leave it there but thank you so much for joining us today, derek. great to have you on our show. well, americans feeling pain at pump again. we're going to take a look at why two gas stations across the street from one another can have wildly different prices. and is there a day of the week that prices tend to be at their lowest? >> we're trying to put money back in your wallet next. cer ] u experience in a seat? inspiration. great power. iconic design. exhilarating performance. [ race announcer ] audi once again has created le mans history!

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let's take a look at some of the gas prices we're seeing varying around the country. for example, you've got the national average for regular sitting at around $3.79, which is this color here in the middle. sort of like an ivory color, if you like. there are a lot of states out there that are in the red. prices there nearing $4. is there a best time to buy? i'm sure californians would really like to know that. of course, they're suffering

from sky high gasoline prices. let's get out to jane wells, who is over in that state. hey, jane. >> reporter: hey, mandy. i would love to have $4 gas. best time to buy might be earlier in the day when you know that gas stations still have supplies. check this out here. this is the most expensive we could find. you know, it's almost $6. the average in l.a. right now is $4.60 a gallon. that's up from $4.40 yesterday. a lot of people generally go to costco to get their gasoline to get a discount. over the last few day, costco says 16 of its 40 so-cal stores ran out of gas. they're hoping to get enough supply to reopen six of them telling cnbc, quote, we are hopeful over the next few days this will get back to normal. >> yeah, we were down at long beach and my gaslight came on about halfway. i figured i'll wait until i can make it to costco. now costco doesn't have any gas. >> reporter: independent owners like this one are having the hardest time getting gas, and

they are charging through the nose for it saying it's not our fault. but who would pay for $5.70 gas when you can go down the road and get it for almost $1 cheaper? people who are either on fumes or driving on fumes. >> do you see how expensive it is here? >> it's pretty ridiculous. i'll put $10 in maybe and try and find it cheaper somewhere else. >> that's going to get you less than two gallons. what do you think about this? >> no bueno. >> crazy. loco. >> reporter: yes, they are hoping this will work out over next few days. this situation is unique to california. you heard boone pickens talking about it. you have these refinery problems. at the same time, we're transitioning over to the winter blend. finally, we have seen $5 gas here before when it's been

really bad. we have never seen $6 gas. stay tuned. we are one-tenth of a cent away. >> two points, quickly. number one, the gas station is misnamed. number two, you are in calabassas where they grind up 20s to sprinkle on their dogs. >> isn't that where the kardashians used to live? >> reporter: they live here now. i keep blaming the kardashians. gas is so expensive and everyone is wearing yoga pants. >> listen to that. >> in yoga pants in their len h bentley, thank you very much. >> that's enough. all right. let's bring in patrick dehaan. your job today, should you be willing to accept it, is to teach our audience of billions how to save money on gas prices. >> tough luck if they're in california. it's hard to find any sort of bargain out there. if you're in one of the other 49

states where prices aren't soaring through the roof, generally we find gasoline prices are cheaper to start the week and early in the morning. that's because the market has been closed all weekend and stations generally start the weekend with a little lower price. the weekend is over, demand is lower. getting people through the doors. >> so monday and tuesday might be the time to fill up. i've always traditionally thought, i'm not going to fill up on a friday afternoon. that's what everybody does before they go away to a road trip on the weekend. is that true? >> you take taxis. >> i actually ride a scooter. in the good old days when i used to own a car. is that true, friday hamafterno is the most expensive time? >> they generally see prices go up, but that's because there's a significant energy information report that comes out wednesday. if the report is bad, then prices in the wholesale market immediately go up, leading to your weekend increases. >> talking of wholesale prices, i want to throw this stat at you. sorry to be a stat nerd. i saw the differential for

wholesale gasoline fell in the l.a. market. does that signal maybe we can start to see some relief at the pump for californians coming in the next weeks or so? >> yeah, finally there's light at the end of the tunnel. we were waiting for the break to happen with this incredible rally that we've seen. finally today we're starting to see it now. for motorists listening that say, oh, my goodness, wholesale prices are down. this is not on the spot market. this will likely make a change later tonight. that won't mean everybody starts selling gasoline again to unbranded outlets. this is something that's developing. it still will be several days before we see any sort of decreases at the pump in california. >> always sticky at the top, right? thank you so much, patrick. have a great weekend. >> all right. very quickly, want to let you know the nasdaq and s&p have turned negative. so much for the jobs return bounce. dow still fractionally higher. don't go anywhere. we're about to reveal our ego trip winner. is it big bird, zuckerberg, or

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well, if itmr. margin?margin. don't be modest, bob. you found a better way to pack a bowling ball. that was ups. and who called ups? you did, bob. i just asked a question. it takes a long time to pack a bowling ball. the last guy pitched more ball packers. but you... you consulted ups. you found a better way. that's logistics. that's margin. find out what else ups knows. i'll do that. you're on a roll. that's funny. i wasn't being funny, bob. i know. all right, america. earlier today we asked you to cast your vote on who had the biggest ego trip of the week. it's time to reveal the. it was between, mandy -- >> the big, burly man on the end. >> mark zuckerberg. >> the one in the mile